The American Express Black Card, also known as the Centurion Card, is a high-end, exclusive charge card that is available to individuals on an invitation-only basis. There is no publicly disclosed spending limit with the Amex Black Card, but balances must be paid off in full every month. The credit limit for the J.P. Morgan Reserve Card is not publicly disclosed, and it is uncertain how much you can charge on it and what the payment terms are. The Mastercard Black Card functions like a typical credit card, and cardholder credit lines vary based on creditworthiness. The Citi Chairman American Express Card has a limit of $300,000, while the Amex Centurion Card doesnt have a traditional credit limit at all. Black cards are rare due to their high spending requirements, and steep fees, that make them out of reach for a majority of the population. Black credit cards are best for their virtually unlimited spending limits, and they are considered a status symbol in pop culture.